TellerScore

Headquartered in Stamps, Arkansas, Bodcaw Bank is a state-chartered bank with $247.3M in total assets and $220.4M in deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1903.

Bodcaw Bank has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 64th. Problem-loan coverage contributes the most (76/100, 12.1%); funding & liquidity contributes the least (53/100, 93% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.89%
Loan quality54/100
Noncurrent loans ÷ total loans: 1.38%
Earnings68/100
Return on assets (annualized): 1.21%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 92.6% · 28.6% uninsured
Problem-loan coverage76/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 12 points (48 → 60), mostly because the loan quality component improved by 33 points.

TellerScore
485663Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202462
Q4 202462
Q1 202553
Q2 202548
Q3 202553
Q4 202553
Q1 202663
Q2 202660
Tier 1 leverage ratio
5.00%7.95%10.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.72%
Q3 202410.02%
Q4 20249.93%
Q1 202510.24%
Q2 202510.47%
Q3 202510.18%
Q4 202510.48%
Q1 202610.66%
Q2 202610.89%
Noncurrent loans
0.71%1.54%2.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.82%
Q3 20240.74%
Q4 20240.71%
Q1 20251.66%
Q2 20252.38%
Q3 20251.53%
Q4 20251.65%
Q1 20261.04%
Q2 20261.38%
Return on assets
0.79%1.01%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.94%
Q3 20240.97%
Q4 20241.03%
Q1 20251.02%
Q2 20251.18%
Q3 20250.79%
Q4 20250.94%
Q1 20261.23%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$247.3M10.89%1.38%1.21%92.6%
Q1 202663$251.0M10.66%1.04%1.23%94.7%
Q4 202553$245.1M10.48%1.65%0.94%96.4%
Q3 202553$246.3M10.18%1.53%0.79%96.8%
Q2 202548$238.9M10.47%2.38%1.18%96.9%
Q1 202553$237.8M10.24%1.66%1.02%95.1%
Q4 202462$234.7M9.93%0.71%1.03%95.3%
Q3 202462$238.9M10.02%0.74%0.97%94.7%
Q2 202461$245.1M9.72%0.82%0.94%92.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.89%
48th
Total risk-based capital0.00%
24th
Problem loans1.38%
20th
Net charge-offs0.01%
49th
Return on assets1.21%
48th
Net interest margin4.55%
81st
Efficiency ratio59.4%
59th
Loans to deposits92.6%
21st
Uninsured deposits28.6%
33rd
Loan-loss reserves1.19%
50th
Texas ratio12.1%
14th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Smackover State BankBank Smackover, AR68 out of 100, Moderate$252.4M11.0%0.83%vs
Bank of Little RockBank Little Rock, AR56 out of 100, Moderate$252.9M8.6%0.51%vs
The First National Bank of Izard CountyBank Calico Rock, AR80 out of 100, Strong$234.8M31.1%2.09%vs
Petit Jean State BankBank Morrilton, AR93 out of 100, Very strong$260.0M16.9%0.63%vs
Bank of SalemBank Salem, AR71 out of 100, Strong$261.5M12.4%1.79%vs
FBT Bank & MortgageBank Fordyce, AR72 out of 100, Strong$263.6M10.4%0.69%vs

Deposit insurance

Is my money safe at Bodcaw Bank?

Yes. Bodcaw Bank is an FDIC-insured institution (FDIC certificate #5624). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.6% of deposits ($63.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Bodcaw Bank lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bodcaw Bank
Type
State-chartered bank
FDIC certificate #
5624
RSSD ID
942847
Primary regulator
FDIC
Holding company
Bodcaw Bancshares Inc
Established
January 1, 1903
Headquarters
307 Thomas St, Stamps, AR 71860
Employees
40

Quick answers

Bodcaw Bank: common questions

Is Bodcaw Bank FDIC insured?

Yes. Bodcaw Bank is an FDIC-insured institution (FDIC certificate #5624). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bodcaw Bank's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bodcaw Bank ever failed?

There is no failure record for FDIC certificate #5624 in the FDIC failed bank list.

How many branches does Bodcaw Bank have?

3 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Stamps

InstitutionScoreAssetsCapitalProblem loansCompare
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs
Mil-Way Federal Credit UnionCredit union Texarkana, AR74 out of 100, Strong$189.6M10.3%0.13%vs
Community State BankBank Bradley, AR69 out of 100, Moderate$89.8M10.0%0.00%vs
The First National Bank of Tom BeanBank Tom Bean, TX67 out of 100, Moderate$155.6M12.1%1.23%vs
The Peoples BankBank Magnolia, AR65 out of 100, Moderate$195.9M13.6%2.23%vs
Farmers Bank & Trust CompanyBank Magnolia, AR61 out of 100, Moderate$3.2B9.9%1.32%vs